Performing due-diligence on mortgage loans is a fact of life in today's market, whether you're meeting requirements of secondary market investors or determining the quality of loans your company is acquiring. Unfortunately, existing due-diligence services have costly per-loan price tags because they focus on paper files and can't leverage the availability of electronic data.

To enable the residential mortgage industry to control due-diligence costs in today's increasingly competitive market, ComplianceEase® created ComplianceAnalyzer® Certify™ - a technology-driven, outsourced due-diligence service designed to:

ComplianceEase recognizes that with today's technology it is much easier to obtain electronic data for pools of loans prior to conducting due-diligence reviews. ComplianceAnalyzer Certify delivers a streamlined due-diligence process through technology, leveraging the electronic loan data you have available and combining it with paper or imaged loan documents. Even if the available data is incomplete or needs "scrubbing", ComplianceEase's team draws on the company's unique and extensive experience gained through successfully integrating automated compliance audits into more than 30 industry platforms and internal systems.

Delivering a Streamlined Process

ComplianceAnalyzer Certify's simplified, flexible due-diligence process enables you to provide a combination of electronic and file-based loan information from a basic set of loan documents:

Note or Specific Closing Instructions

Mortgage Insurance Certificate, if applicable

Final Truth-in-Lending Disclosure & Itemization of Amount Financed

Final HUD-1 Statement

From there, ComplianceEase's experienced team extracts and processes the loan information and runs a ComplianceAnalyzer automated compliance audit on every loan. ComplianceAnalyzer Certify provides executive summary dashboards as well as detailed loan-level reports that empower your institution with:

Protection against originating or purchasing high-cost loans across the country

Mitigation of non-compliance risk through audits against more than 5,000 rules at the Federal, State, and Municipal levels

Flexibility to audit against agency compliance guidelines such as the GSEs and HUD

Redefining Due-Diligence

Most importantly, because ComplianceAnalyzer Certify is powered by the industry-leading ComplianceAnalyzer automated compliance system, due-diligence reports are widely recognized in the industry for their clarity and accuracy. ComplianceEase has been uniquely focused on mortgage compliance for more than 7 years and this service is powered by the same automated compliance technology that is in use by more than 250 institutions and regulators across the country. ComplianceEase is the industry leader in automated mortgage compliance and the ideal co-sourcing partner for your due-diligence needs.